Texas · DPA + below-market rate

TDHCA My First Texas Home

Up to 5% of loan amount

Up to 5% of loan amount for down payment and closing costs. 30-year fixed below-market rate.

TDHCA's My First Texas Home provides competitive first mortgage rates exclusively for first-time buyers. The program's rates are typically 0.25-0.5% below market, saving thousands over the life of a 30-year mortgage. Pairs with TDHCA's DPA options for a comprehensive benefit package.

AmountUp to 5% of loan amount
TypeDPA + below-market rate
Available inTexas
First-time buyer requiredYes
Minimum credit score640
Multi-unit eligibleYes — 1-4 units

House-hack eligible

Works with FHA on 2-4 unit properties. Live in one, rent the rest.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
TDHCA My Choice Texas Home Up to 5% of loan amount — repeat buyers welcome
Texas · DPA program
TSAHC Home Sweet Texas 3-5% grant — free money, no repayment ever
Texas · Grant
TSAHC Homes for Texas Heroes 3-5% grant + free MCC ($2K/year tax credit)
Texas · Grant
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